Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,498Cash toward the purchase price.
Closing costs + prepaids$17,671Not just lender fees.
Before credits & paid funds$125,169The complete starting cash picture.
Estimated remaining funds due at closing
$125,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,497.67
Your down payment$107,497.67
Closing costs + prepaids$17,671.29
Total buyer cash needed$125,168.97
Remaining funds due$125,168.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,337.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,089.00
Prepaid interest, first (23 days)$2,026.78
Fees + prepaids$17,671.29
Your down payment is the seller’s equity. You take over the $467,502 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $125,168.97 is due at closing. Uses and sources reconcile at $592,671.29 each. Not a Closing Disclosure.